Helping you along the buying process

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Search for a property in the South East
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Shared Ownership FAQs

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Does Shared Ownership mean sharing with someone else?

No – this is a common misconception but the ‘shared’ aspect of the scheme simply means you’re sharing ownership of your home with a housing association.

If you decide to buy a Shared Ownership home in the South East, you’re effectively purchasing a portion of your property. Your initial share will usually be between 25% to 75%, paying a mortgage on the part that you own and a below market value rent on the remaining share.

Can I ever fully own a Shared Ownership home in the South East?

Yes – Shared Owners can choose to buy additional shares in their property by ‘staircasing’.

When buying a Shared Ownership home, you will initially purchase a minimum percentage somewhere between 25% to 75%. Down the line, if you find that your financial circumstances have changed, buyers will have the option to buy more shares.

If you choose to buy a higher percentage, your mortgage repayments will increase while the rent you pay will decrease. In the majority of cases there aren’t any restrictions and you can buy 100% of your home – in this instance, you would become the outright owner.

Do I meet the eligibility criteria for Shared Ownership homes in South East?

As a home-buying product aimed at helping those who can’t afford to purchase a property on the open market, there are certain requirements that buyers will need to meet to be considered eligible for Shared Ownership.

For example, there are caps on household income which means that you must earn less than £80,000 to be eligible for the scheme – or less than £90,000 if you would like to buy a home in London. The criteria also states that buyers must be at least 18 years of age and do not own another property either in the UK or abroad.

How much does Shared Ownership cost in South East?

Shared Ownership properties enable you to put down a smaller deposit compared to those required on the open market – buyers will usually need to put down 5% to 10% of the share that they’re buying, rather than the full market value of the home.

On a monthly basis, buyers will be required to pay their mortgage, a subsidised rent and service charge on their home, however, these repayments often work out cheaper than or equal to renting privately in the same area. Other costs to consider when buying a home include solicitor and mortgage broker fees – you can find out more about these costs on Share to Buy.

Are there Shared Ownership homes in South East?

Share to Buy lists thousands of Shared Ownership homes all across South East and beyond – including new build properties and those available through resale.

Shared Ownership is available on a variety of homes including cosy studios, stylish apartments and traditional family homes. Check out our property search tool to start looking for your new home today!

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The steps to find your new Shared Ownership home

1
Research
We have a wealth of tools, FAQs, guides and blogs to help you understand your options
2
Search for a property
Find the right home for you in South East and register your interest
3
Speak to the specialists
Contact a Mortgage Broker and Solicitor Panels to help you through the buying process

Find your home with Share to Buy

Learn more about the UK's leading first time buyer property portal, specialising in affordable home ownership options including Shared Ownership and Help to Buy
Start your search today
Who are Share to Buy?

Share to Buy is the leading online portal for Shared Ownership properties. Established in 2004 as the UK’s first specialist online mortgage broker for affordable home ownership products, the site has since developed into a one stop shop for first time buyers, offering the country’s largest listing of Shared Ownership homes from many of the UK’s biggest housing providers.

Why should I register with Share to Buy?

Share to Buy is the nation’s biggest and best established affordable home ownership property portal, making it the ideal website for first time buyers looking to take that first step onto the property ladder.

Using our property search tool, you can search for homes that suit your needs via filters such as location, number of bedrooms, monthly outgoings and deposit amount. You can also set up alert preferences so you’ll be notified when new properties that meet your search are announced by email.

Acting as a one stop shop for first time buyers, Share to Buy also offers handy FAQs and guides, interactive mortgage tools, mortgage broker and conveyancing panels, and live events to help potential purchasers on their home-buying journey.

Can I advertise my home on Share to Buy?

If you are a housing association or developer selling properties through Shared Ownership, Help to Buy and other affordable home ownership schemes, we can list your new build and resale homes on the Share to Buy property portal.

As well as working alongside Registered Providers, we also partner with private sellers who are looking to sell their current Shared Ownership home.

Find out more about advertising your Shared Ownership property on Share to Buy.

Shared Ownership South East - Shared Ownership Properties for Sale in South East - Share to Buy

If you’re a first-time buyer, you may feel worried that your home ownership ambitions are out of reach. Thankfully, Shared Ownership home in the South East can bring that vital first step onto the property ladder closer. Help to Buy homes in the South East also offer fantastically affordable options to buyers from all walks of life.

To stay updated with the latest Shared Ownership and Help to Buy properties in the South East, simply sign up to Share to Buy and register to receive alerts when new properties are added to the market.

There’s so much that makes the South East of England special that it can be hard to know where to begin. Just look at some of the incredible areas which this wonderful part of the country boasts. BerkshireBuckinghamshireEast SussexWest SussexHampshire, the Isle of Wight, KentOxfordshireSurrey: every single one of these locations has its own captivating array of things to do, see and experience. We would require at least a novelette to begin to describe them. When you put them all together, you know you’ve found somewhere like no other.

With so much diversity, it can be challenging to give an overview of all this charming part of the country has to offer. All we will say is that we can merely scratch the surface here, so vast is the depth of experiences it provides to visitors and residents alike.

There is, of course, its sensational countryside. Everywhere from the New Fort and the South Downs to the Chiltern Hills and the North Downs are the kinds of areas where artists get inspired and nature lovers lose themselves. There’s also the history of the South East. Not only does this provide us with so many astounding feats of architecture – like Windsor Castle, Leeds Castle and Blenheim Palace, to give but a couple of examples – but it also gives this part of the country its own individual sense of culture and identity.

This brings all these communities together, as well as adding to the appeal of the UK as a whole. You don’t need to be a history expert to appreciate that. And with each location within the South East being so different from the rest, you could spend years exploring all the intricacies of what makes these places tick and never run out of fascinating things to discover.

It’s also a practical place to live, with some of the greatest educational establishments in the country across all levels. That’s not to mention the transport links, which further stretches its employment opportunities to provide greater versatility in options for its residents. And that’s just the start. Add to that all the theatres, the love of sport, the amazing restaurants – and we haven’t even gotten around to the White Cliffs of Dover yet!

There’s more to the South East than can be written down, even with a million words. That’s because this is an area that never stops moving forward. It’s an ongoing adventure, and the only way to really get involved is to stop reading and start experiencing it for yourself. Only then can you get below the surface of this astounding slice of the country.

News

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L&Q: Shared Ownership home-buying event in Berkshire

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